If you possess an ATM card of any bank you can claim the accidental coverage amount of one lac to two lacs. Though you are insured by any bank or not, you can claim this amount and many consumers are not even aware about it. According to one of the officers of a leading bank, if the card holder has made any transaction with in the 45 days of accident, his members of the family can claim this amount. But if the transaction has not been made during this period or the card has been blocked, the compensation cannot be claimed. On the demise of the card holder in any accident, the amount of One Lac Rupees can be claimed after the postmortem of the consumer. But most of the people are not aware about this.